Tony, I have a situation where a homeowner purchased a house in 2000.
His previous house was nearby in the same area. He was aware of numerous hail
damage claims resulting from a storm in april 1999. He enquired to the seller
as to the status of any hail damage claims and was told that an adjuster inspected
the building and found no hail damage. After another hail storm in 2001 the
new owner of the property called in a claim after noticing dents on all four
elevations. This adjuster- FROM THE SAME INSURANCE COMPANY- was able to date
the damage the damage as being 2 years old or more. How accurate is their
science of dating hail damage by determining the oxidation time frame on
aluminum siding. Needless to say the claim was denied. So the same insurance
company insuring the same house has said that there was no damage in 1999
yet a different adjuster has said after a subsequent inspection after a new
storm for a new homeowner that there is damage but it is over two years old.
This is not adding up.

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:Reading the policydoes not in any way explain what policyholders are
entitled to such as, a basic understanding in terms of fundamental adjusting
principles, rights, and rules that govern insurance company behavior. And,
how to calculate, prepare and settle their claims. Equal information truly
is the benchmark of fairness.

: You suggest asking the agent and the company adjuster for help and advice.
According to the N.A.I.C. (the organization that makes the rules) the agent
represents the company not the policyholder, and the company adjuster and
independent adjuster represent the company not the policyholder.

: Your pet peeve is with those who have a view of their damage that you
don't share. Now you have hit on the pet peeve of this forum: those who
profess to represent both sides in the same transaction at the same time.
They may be regular people, but they may as well have been "created in the
depths of hell."